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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,656 | $57,541-41.5% | $95,728-64.8% | $75,181-55.2% |
| Participation rate | 45.5% | 62.5%-17.1pp | 72.3%-26.8pp | 67.2%-21.7pp |
| Annual return | 17.97% | 34.93%-17.0pp | 28.40%-10.4pp | 160.69%-142.7pp |
| Employer contribution / active EE | $1,271 | $1,808-29.7% | $2,835-55.2% | $2,671-52.4% |
| Participant deferral / active EE | $1,744 | $3,074-43.2% | $4,245-58.9% | $4,126-57.7% |
| Admin fee / account holder | $8,297 | $4,099+102.4% | $5,673+46.3% | $5,650+46.8% |